Call reports 2006
FIRST AND CITIZENS BANK — 2006
What FIRST AND CITIZENS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 95,620,000 | 96,336,000 | 97,200,000 | 97,820,000 |
| Total loans | 77,403,000 | 79,920,000 | 80,198,000 | 78,983,000 |
| Allowance for loan losses | 792,000 | 787,000 | 804,000 | 818,000 |
| Securities available for sale | 8,069,000 | 8,641,000 | 4,014,000 | 3,418,000 |
| Securities held to maturity | 15,000 | 14,000 | 14,000 | 13,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,882,000 | 86,260,000 | 86,639,000 | 87,168,000 |
| Interest-bearing deposits | 74,979,000 | 76,770,000 | 76,675,000 | 77,451,000 |
| Noninterest-bearing deposits | 10,903,000 | 9,490,000 | 9,964,000 | 9,717,000 |
| Equity capital | 8,846,000 | 9,054,000 | 9,304,000 | 9,220,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,374,000 | 2,778,000 | 4,310,000 | 5,861,000 |
| Interest expense | 585,000 | 1,217,000 | 1,910,000 | 2,619,000 |
| Net interest income | 789,000 | 1,561,000 | 2,400,000 | 3,242,000 |
| Noninterest income | 81,000 | 173,000 | 248,000 | 325,000 |
| Noninterest expense | 577,000 | 1,131,000 | 1,661,000 | 2,479,000 |
| Provision for loan losses | 0 | 0 | 40,000 | 85,000 |
| Pretax income | 293,000 | 603,000 | 947,000 | 1,003,000 |
| Income tax | 93,000 | 192,000 | 303,000 | 313,000 |
| Net income | 200,000 | 411,000 | 644,000 | 690,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,853,000 | 9,064,000 | 9,297,000 | 9,343,000 |
| Total capital | 9,618,000 | 9,848,000 | 10,082,000 | 10,124,000 |
| Risk-weighted assets | 61,148,000 | 62,747,000 | 62,759,000 | 62,413,000 |
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